Business Risk Management

Business Collateral Loan Insurance

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Business collateral loan insurance is designed to secure the funds necessary to pay off a loan or a business debt obligation to a lending institution. This type of plan is best suited for businesses seeking credit for the purpose of operating or expanding business.

Reduce the Net Cost of your Company’s Collateral Insurance!

A life insurance policy is an excellent tool that can be used to create a tax-advantaged account. This account is under your control while you are alive, (subject to the collateral assignment to the lender) and is paid out tax-free to cover the amount of the loan on death. Any remaining balance will be payable to your beneficiary. This means you not only achieve a tax deduction for a portion of the cost of the insurance policy, but you avoid paying income taxes on the growth in the account as well!

Key Person Insurance

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Uses life insurance policy to help you protect your business from the costs that result from the death of a key person. Generally, it is not possible to avoid the risk of losing a key person to disability or death. And the cost of losing a key person would be a significant burden on your business.

Key person protection is a cost-effective way to ensure the continued viability of your business in the face of a specific risk.

Situation

The success of your business depends on its people.

Most businesses have key people whose contributions are critical to the performance of the business. These are often customer relationship managers or technical experts, or owner-managers.

Solution

Key Person Insurance

Buy-Sell Agreement

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A buy-sell agreement helps to provide funding at the precise moment required to execute the instructions in a buy-sell agreement.

A buy-sell agreement is best suited for:

business owners

partners

shareholders

Buy-sell agreement is the key to a successful business succession plan.

Testimonials

“Very professional in all aspects of knowledge; I have already given my CWF Advisor’s contact information to my family for needs they may have.” _______________________________________________________________.

“Over the years I’ve worked with many Financial Advisors. But the Advisor I have felt the most connection with is my current CWF Financial Advisor. Technically proficient and knowledgeable, yet caring and friendly.” _______________________________________________________________.

“We met with our CWF Financial Advisor at his office and we found him to be extremely professional. We really appreciated his orientation and process. It wasn’t only about insurance, albeit , this was a very important reason for our meeting. He was genuinely interested in finding out about me and my family and our aspirations and goals to determine what was best for us.” _______________________________________________________________.

“Financial Planner with Exceptional Insight. I want to offer once more my thanks for the wonderful things you do for the community and, as well, the kindness and wisdom you radiate when we speak. You are a person of exceptional insight and a planner with that rarest of qualities – imagination. And you can tell ’em I said so.” _______________________________________________________________.

“Don’t waste energy worrying about end results. Worrying only distracts you from living day to day and enjoying life. Get a CWF Advisor and all your problems are gone.” _______________________________________________________________.

““I really liked the promptness and professionalism of CWF Advisors and I liked how my Advisor explained everything I had questions about and helped me move forward in a timely manner by walking me through everything.”” _______________________________________________________________.